Soften the cream cheese. Leave it at room temperature for 30–45 minutes. This helps everything blend smoothly and prevents lumps.
Prep the peanut butter. If using natural peanut butter, stir it until fully combined.
Slightly warm it in the microwave for 10–15 seconds if it seems stiff.
Blend the base. In a large bowl, beat the softened cream cheese with the peanut butter until smooth and creamy. Use a hand mixer for best results, but a sturdy whisk works too.
Add flavor and sweetness. Mix in the sweetener, vanilla, lemon juice, and a pinch of salt. Start with less sweetener than you think you need—you can always add more later.
Fold in the Greek yogurt. Add the yogurt in two additions, mixing gently until fully combined and velvety.
Avoid overbeating to keep the texture light.
Taste and adjust. Add a bit more sweetener or lemon juice if needed. The flavor should be balanced: nutty, slightly tangy, and pleasantly sweet.
Chill to set. Spoon the pudding into jars or a serving bowl. Cover and refrigerate for at least 1 hour, preferably 2–3 hours.
It thickens as it chills.
Serve with crunch. Top with crushed graham crackers, chopped peanuts, or chocolate just before serving for texture and contrast.